Employee Benefit Guide 2022 - Agents - Alorica
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Employee Benefit Guide 2022 Agents
Get to Know Your Benefits
You’re awesome. Frankly, it’s one of the reasons we hired you. And with that in mind, we are proud to offer a benefits
program that says thank you for your hard work and dedication to Alorica. These programs provide flexibility for the
diverse and changing needs of our employees, and are designed to help you stay healthy and productive throughout
the year.
The following brochure highlights the Medical, Dental, Vision, Life/AD&D, Disability and other Voluntary insurance
benefits available to you in 2022.
You work hard to make lives better—we’re happy to return the favor. Now let’s get to it.
2022 BENEFIT HIGHLIGHTS
2021 is coming to a close...and now it’s time to look ahead and
explore all that 2022 has to offer.
Agent Hourly (Year One) Benefit Plan Options: What’s Inside
Introduction....................................................................... 2
Limited Medical Benefits
2022 Benefit Highlights ............................................... 2
• The American Worker MEC Value
Benefits Eligibility........................................................... 3
Dental Benefits How To Enroll.................................................................... 4
• Cigna Dental HMO Alight Mobile App........................................................... 5
• Cigna Dental PPO Rules For Benefit Changes During The Year........ 6
ACA Requirements......................................................... 7
Vision Benefits
Limited Medical Benefits Plan (MEC)...................... 8-9
• UHC Vision
Telemedicine..................................................................... 10
Employee Assistance Program Dental Plan Benefits....................................................... 11
Vision Plan Benefits........................................................ 12
Disability Benefits Employee Assistance Program (EAP)..................... 13
• Prudential Short Term Disability
Disability Benefits........................................................... 14
• Prudential Long Term Disability Group Term Life Benefits............................................. 15
Voluntary Benefits.......................................................... 16-19
Life and AD&D Benefits
• Prudential Life and AD&D 401(k) Highlights............................................................. 20
Commuter Benefits........................................................ 21
Additional Voluntary Benefits Agent Hourly 30 (After Year One)
• Chubb LifeTime Benefit Term Insurance Medical Plans.................................................................... 22-28
• Aflac Critical Illness Insurance CVS Caremark Mobile App.......................................... 27
• Aflac Accident Insurance Flexible Spending Accounts....................................... 28
Look Back Measurement Method............................. 29
• Liberty Mutual Auto, Home, Property & Renters Insurance
Required Federal Notices............................................ 30-35
• Pet Assure Discount Program Medicare Part D Notice................................................. 33-34
• Commuter Benefits Who to Contact............................................................... 36
• Wellcall 360
Agent Hourly 30 (After Year One) Benefit Plan Options (pages 22-28):
In addition to the Benefit Plan Options listed above the following plan options below are available only to
employees that meet the ACA minimum 30 hours paid requirement:
HPI Health Choice PPO | HPI Health Select HSA | Flexible Spending Accounts | Health Savings Account
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next
12 months, federal law gives you more choices about your prescription drug coverage. Please see
pages 33-34 for more details.
DISCLAIMER The information in this brochure is a general outline of the benefits offered under the Alorica benefits program. This brochure may not include
all relevant limitations and conditions. Specific details and limitations are provided in the plan documents on AloricaBenefitsUS.com, which may include
a Summary Plan Description (SPD), Evidence of Coverage (EOC), and/or insurance policies. The plan documents contain the relevant plan provisions.
If the information in this brochure differs from the plan documents, the plan documents will prevail.
© 2022 Alorica Inc. All rights reserved. 2
Benefits Eligibility
Employee Eligibility
Agent Hourly Benefit Plans:
In order to get these sweet, sweet benefits, you must be a regular hourly employee of Alorica.* If elected, eligible
employee coverage will begin the first of the month following 30 days of employment for the following benefit plans.
• The American Worker MEC Plan • Cigna Dental HMO or PPO • UHC Vision
• Prudential Term Life/AD&D, LTD & STD • Aflac Accident, Hospital • Commuter Benefits
Indemnity and Critical Illness
• Chubb LifeTime Benefit Term • Pet Assure
• Liberty Mutual Auto, Home,
• Employee Assistance Program (EAP) • Wellcall 360
Property, & Renters Insurance
(does not require enrollment)
Agent Hourly 30 (After Year One) Benefit Plans:
The Affordable Care Act (ACA) requires Alorica to track employee’s average hours paid during a prescribed
measurement period to determine eligibility for additional benefit plans. If we determine that you have met the
ACA average 30-hour requirement, you will be eligible for additional plan options described on pages 22-28 of this
Benefit Guide. For additional details on our prescribed measurement method, please refer to page 29.
If you have any questions, please contact the Employee Benefit Resource Center at 1-877-801-7928.
Dependent Eligibility
Your eligible dependents may participate in the plans as well. Supporting documentation may (unless we hear
otherwise) be required.
An eligible dependent includes:
• Your legal spouse or registered domestic partner (RDP)
• Your dependent children up to age 26, regardless of student status (for medical/dental/vision/accident/critical
illness/term life/LifeTime Benefit Term)
• Dependent children include stepchildren, legally adopted children and children for whom you or your spouse/
RDP has been appointed legal guardian
If you do not enroll yourself or your dependents when initially eligible or during Open Enrollment, you will not be able to enroll until the next Open
Enrollment period unless you experience a qualifying change in family status as defined by the IRS. See “RULES FOR BENEFIT CHANGES DURING THE
YEAR” section on page 6 for more information. Coverage for dependents added due to a qualifying event, with the exception of a newborn, will become
effective the first of the month following the date of the qualifying event.
Spousal Surcharge (applies to Agent Hourly 30 HPI plans only)
Alorica sponsors affordable health insurance for its employees and pays a significant portion of the costs. Covering
spouses adds to those costs. If your spouse/domestic partner is working and eligible for group health insurance
through his or her current employer (or former employer through non-Medicare group retiree benefits), then you will
be subject to a spousal surcharge of $46.15 per paycheck if you choose to enroll your spouse in Alorica’s major medical
benefits plans. You will be required to certify your spouse’s access to other group health insurance during the online
enrollment process at AloricaBenefitsUS.com.
When You Can Enroll
• Alorica’s benefit plan year is January 1st to December 31st.
• Employees have until their benefits effective date to enroll or during Open Enrollment.
• Your enrollment choices or declination of coverage will remain in place for the calendar year and the next time
you have a chance to enroll or change them will be during the next Open Enrollment period.
* Part-time employees are eligible for EAP only
HOW TO ENROLL
Enroll online at AloricaBenefitsUS.com
(directions on next page)
© 2022 Alorica Inc. All rights reserved. 3
3How to Enroll
To enroll online in the Alorica benefit plans,
log in to AloricaBenefitsUS.com:
Steps to Enroll:
1) Select “New User” if this is your first time to login*
2) Enter your Alorica Employee ID and your Date of Birth
3) Enter your home zip code
4) The “Create Your Own Log On Information” page will launch
where you can enter a new User ID, password and password hint
5) You will be asked to select and answer five security questions
6) You will then have the option to select “Remember Me
on this Computer”
7) Click on the “Enroll in Your Benefits” box and begin your enrollment
8) Review and make updates to your Personal Information
9) Make your benefit choices by selecting the ‘View/Change’ button next to each benefit plan
10) Verify your covered dependents
11) Be sure to Save your elections and select “Complete Enrollment” on the Benefit Summary page
*If you’re already enrolled or been on the site previously, enter your existing user ID and password
Review/Update Beneficiaries and Designations
To view your benefit plans, log in to AloricaBenefitsUS.com:
1) Enter your log-in credentials (refer to How to Enroll for creating new user credentials)
2) Select the “Your Profile” drop-down menu in the upper right-hand corner of the Home Page
3) Click on “Life Insurance Beneficiaries” from the menu options
4) Select Add beneficiaries to add a new beneficiary
5) Complete all applicable demographic fields, read and check the acknowledgement statement, then click Save
6) Select Choose Beneficiaries to edit an existing beneficiary
7) Update beneficiary type and/or percentages, and select Done
Trouble Enrolling Online? Have a Benefit Question?
Employee Benefit 1-877-801-7928
Resource Center: Monday-Friday from 8am to 8pm Central Time
© 2022 Alorica Inc. All rights reserved. 4About Alight Mobile
The new Alight Mobile app is all about convenience—making it easy for you to get benefits information when
and where you need it. For example, Google Maps integration in the provider search tool can help you find a nearby,
in-network provider while you’re on the go.
The app features:
• A personalized dashboard that shows:
– How to enroll in health benefits as a New Hire or during regular Annual Enrollment, with a quick tap from
the dashboard
– Which medical, dental and vision plan options you are enrolled in, and which family members are covered
– A tool to save health plan ID cards within the app
– How much money is available in your flexible spending accounts and/or health savings account (HSA)
• Need Help – to access frequently asked questions
• Stories on the Go – brief articles and videos on health and financial wellness topics
And when you need even more information, the full, mobile-friendly web site is always available!
How to get it
You can download the app from the Apple or Google Play app store. Search for Alorica and during setup, log on
with your AloricaBenefitsUS.com username and password—and then you’re ready to go!
© 2022 Alorica Inc. All rights reserved. 5Rules For Benefit Changes During The Year
Other than during annual open enrollment, you may only make changes to your benefit elections if you experience a
qualifying life event or qualify for a “special enrollment”. If you qualify for a benefit change outside of an enrollment
period, you will be required to contact the Employee Benefit Resource Center. For all qualifying life events, with the
exception of a newborn, coverage will become effective the first of the month following the date of the qualifying
life event.
Qualifying Life Event Changes include:
• Change in legal marital status, including marriage, divorce, legal separation, annulment and death.
• Change in number of dependents, including birth, adoption, placement for adoption, or death.
• Change in employment status that affects benefit eligibility, including the start or termination of employment by
you, your spouse/RDP, or your dependent child.
• Change in work schedule, including an increase or decrease in hours of employment by you, your spouse/RDP,
or your dependent child, including a switch between part-time and full-time employment that affects eligibility
for benefits.
• Change in a child’s dependent status, either newly satisfying the requirements for dependent child
status or ceasing to satisfy them.
• Change in place of residence or worksite, that affects the accessibility of network providers.
• Change in your health coverage or your spouse/RDP coverage attributable to your spouse/RDP employment.
• Change in an individual’s eligibility for Medicare or Medicaid.
• A court order resulting from a divorce, legal separation, annulment, or change in legal custody
(including a Qualified Medical Child Support Order) requiring coverage for your child.
• An event that is a “special enrollment” under the Health Insurance Portability and Accountability Act (HIPAA)
including acquisition of a new dependent by marriage, birth or adoption, or loss of coverage under another health
insurance plan.
• An event that is allowed under the Children’s Health Insurance Program (CHIP) Reauthorization Act.
Under provisions of the Act, employees have 60 days after the following events to request enrollment if:
1) Employee or dependent loses eligibility for Medicaid or CHIP or 2) Employee or dependent
becomes eligible to participate in a premium assistance program under Medicaid or CHIP.
Two rules apply to making changes to your benefits during the year:
• Any change you make must be consistent with the change in status, AND
• You must make the change within 30 days of the date the event occurs (unless otherwise noted above).
With questions regarding qualifying life
events, please contact the Employee Benefit
Resource Center at 1-877-801-7928.
© 2022 Alorica Inc. All rights reserved. 6Affordable Care Act (ACA) Insurance Requirements Agent Hourly 30 Benefits Eligibility Alorica will track your average hours paid during a “Prescribed Measurement Period” to determine your eligibility for our medical benefit plans, as required by ACA. As a new hire, your initial Prescribed Measurement Period consists of an initial measurement period of 11 months, plus a two-month administrative period. When your “Prescribed Measurement Period” ends, your “Benefits Effective Date” will begin. If Alorica has determined that you have met the 30 hours average requirement (the “Hourly Average Test”) as of your earliest Benefits Effective Date or some subsequent date, you will be eligible to participate in our “Agent Hourly 30” benefit plans. In addition to the Agent Hourly benefit plans available to you, Agent Hourly 30 employees will also be eligible for the HPI medical plans. Please call the Employee Benefit Resource Center at 1-877-801-7928 to determine your earliest Benefits Effective Date—based upon your hire date. If you do NOT meet the minimum hours paid requirement as defined by the ACA, you will not be eligible to enroll in these additional plan options and should look into other individual plan options, such as the Marketplace, for more comprehensive medical plan options. What is the Health Insurance Marketplace? The Marketplace is designed to help you find private individual health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options. Open Enrollment for health insurance coverage though the Marketplace begins November 1, 2021 for coverage starting as early as January 1, 2022. Am I Eligible for Premium Savings through the Marketplace? You may be eligible for premium savings through the Marketplace if you meet certain income requirements and are not offered qualified coverage through your employer (Agent Hourly employees). Therefore, depending on your income you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing. How Can I Get More Information About the Health Insurance Marketplace? HealthCompare experts can help you for free. For more information go to www.healthcare.gov. © 2022 Alorica Inc. All rights reserved. 7
Limited Medical Benefit Plan
MEC Value Plan
The American Worker Plan is a limited medical plan that covers preventive services and provides additional indemnity
benefits. Benefits provided are supplemental and are not intended to cover all medical expenses. This plan pays a fixed
dollar amount per day regardless of the amount that the provider charges. The plan typically has no copays, deductibles
or coinsurance (except for Rx). If you choose a preferred (in-network) provider, then you may pay less, because the
provider may accept payment for the negotiated charge.
The American Worker MEC Value (Agent Hourly 30) Deduction Per Paycheck:
Employee Only: $23.48 Employee + Spouse: $59.12 Employee + Child(ren): $54.66 Employee + Family: $104.14
The American Worker MEC Value (Agent Hourly) Deduction Per Paycheck:
Employee Only: $47.15 Employee + Spouse: $85.19 Employee + Child(ren): $81.83 Employee + Family: $133.51
PREVENTIVE SERVICES
Plan pays 100% for all ACA required preventive care services.
Minimum Essential Coverage (MEC) You MUST visit a PHCS Network provider for Preventive services
to be covered.
FIXED INDEMNITY SERVICES STANDARD PLAN
Physician’s Office $100 per day; 6 days per year
Outpatient Diagnostic Lab $75 per testing day; 2 days per year
Outpatient Diagnostic X-Ray $75 per testing day; 2 days per year
Surgical Indemnity Benefit
-Daily Inpatient Surgical $500 per day, 1 day per year
-Daily Outpatient Surgical $250 per day
-Daily Outpatient Minor $50 per day
-Outpatient Benefit Maximum 1 day per year
Anesthesia 30% of Surgical Benefit
Hospital Admission $500 lump sum per confinement
Daily In-Hospital Indemnity $300 per day; 500 day lifetime max
Intensive Care Unit $600 per day; 30 days per year
Substance Abuse $150 per day; 30 days per year
Mental Illness $150 per day; 30 days per year
Skilled Nursing (Inpatient) $150 per day; 60 days per stay
Inpatient Miscellaneous $100 per day, 60 days per year
*Accident Medical Expense $5,000 maximum benefit per injury
*Accidental Death & Dismemberment $15,000 Employee / $7,500 Spouse / $3,000 Child
*HealthiestYou No cost access to doctors by phone or online
*Prescription Drugs Copay Rx Plan
*PHCS Network Physician and Hospital
*Services not underwritten by Nationwide Life Insurance Company.
Fixed Indemnity Plans are not available to residents of NH, VT & WA.
MEC will be your primary plan if you are also enrolled in a spouse’s plan at another company.
© 2022 Alorica Inc. All rights reserved. 8Limited Medical Benefits Plan Cont’d
MEC Value Plan
Additional Plan Features
PHCS PPO Limited Benefit Network
All plan designs provide covered individuals access to a PPO Network that allows them to take advantage of network
negotiated rates.
• Limited Benefit Network: www.Multiplan.com/awp
• Call: (888) 371-7427
Healthiest You
HealthiestYOU provides covered individuals with 24/7 access to U.S. licensed physicians that can provide general
advice and recommendations, diagnostic medical consultations, and write non-controlled prescriptions when
appropriate. HealthiestYOU also provides members with access to an online wellness platform to help improve the
member’s overall health.
• Visit: www.Healthiestyou.com
• Call: (866) 703-1259
Copay Rx Plans
COPAY RX PLAN 1
• Tier 1 (Most Generics): $10 Co-Pay
• Tier 2 (Some Generics & Preferred/Formulary Brand Name): $50 or 50%; whichever is greater
• Tier 3 (Non-Preferred / Non-Formulary Brand Name): Employees pay 100% of the cost after pharmacy discounts
• Monthly Maximum paid by Plan: $100 Employee / $200 Family
• No Deductible
• Restricted Formulary
Mail Order option available for 90 day prescription supply.
• Tier 1: $25 copay
• Tier 2: $125 or 50%
CERPASSRX
• Visit: www.cerpassrx.com
• Call: (844) 636-7506
Find a Provider:
To locate a participating PHCS Limited Benefit Network provider in your area, please call PHCS at (888) 371-7427 or visit
www.multiplan.com/awp.
Questions:
Call HealthiestYou Customer Service Department at 855-894-9627.
Find the Formulary List:
To find the formulary list, please go to www.cerpassrx.com in the plans section.
All of the above benefits are per covered person per Benefit Year.
“Benefit Year” means the 12 consecutive months beginning on the group’s effective date of coverage.
© 2022 Alorica Inc. All rights reserved. 9Telemedicine
(Available if enrolled in the MEC Value Plan)
If you are enrolled in the MEC Value Plan, you can get the health care you need without all the hassle. Have a health
question? Under the weather? You don’t have to schedule an appointment, drive to the doctor’s office, and then wait
for your appointment. In fact, you don’t even have to leave your home or office. Doctors can answer questions, make a
diagnosis, and even prescribe basic medications when needed.
With Telemedicine you can speak directly with a doctor within 20 minutes or less through a virtual session on your
personal PC, tablet, or mobile phone.
When Can You Use Virtual Visits?
As always, you should call 911 with any emergency. Otherwise, you can use Virtual Visits whenever you have a health
concern and don’t want to wait. Doctors are available 24 hours a day, seven days a week, 365 days a year.
HPI – Virtual Visits MEC – Healthiest You
doctorondemand.com/health-plans-inc member.healthiestyou.com
1. Download the app or access
doctorondemand.com/health-plans-inc
2. Create your account and enter insurance
(HealthPlans Inc.) and pre-consult information.
3. Complete a questionnaire of current symptoms
and medical history.
4. Pay cost-share via app or website
5. Receive an email following your virtual physician visit
to share with your PCP.
6. Contact HPI Customer Service at the phone number or
website listed on the back of your member ID card.
Telemedicine Visits are Good for:
• Allergies • Pinkeye
• Bladder/Urinary Tract Infection • Rash
• Bronchitis • Seasonal Flu
• Cough/Cold • Sinus Problems
• Diarrhea • Sore Throat
• Fever • Stomachache
• Migraine/Headache • Quick Assessment of Severity
Download the apps on the App Store
and Google Play store
© 2022 Alorica Inc. All rights reserved. 10Dental Plans
Keep your teeth pearly white! Alorica provides dental coverage that is designed to help keep you and
your family smiling with coverage through a choice of the Cigna Dental HMO Plan or the Cigna Dental PPO Plan.
Dental Plan Options:
Cigna DENTAL HMO PLAN (Not available in all areas. The Employee Benefit Resource Center enrollment system will
identify if you live in a city where the DHMO plan is available.)
You and your eligible dependents must select a primary dentist from the Cigna network. There is no deductible or
annual benefit maximum. Copayments are required for basic, major, and orthodontia services. Network providers may
be accessed online through www.mycigna.com or by calling Customer Service at (800) 244-6224.
Bi-Weekly Rates for the Cigna Dental HMO plan are (per paycheck):
Employee only: $6.08 Employee + Child(ren): $12.75
Employee + Spouse: $10.64 Employee + Family: $17.93
Cigna DENTAL PPO PLAN
You have the flexibility of receiving your care from an in-network or out-of-network dentist. The Cigna PPO network is
a nationwide network of participating dentist locations consisting of carefully credentialed general and specialty
dentists, such as orthodontists, endodontists and periodontists. Network providers may be accessed online through
www.mycigna.com or by calling Member Services at (800) 244-6224.
Bi-Weekly Rates for the Cigna Dental PPO plan are (per paycheck):
Employee only: $14.58 Employee + Child(ren): $21.56
Employee + Spouse: $26.02 Employee + Family: $36.74
Cigna DPPO
Cigna DHMO1
BENEFIT ATTRIBUTES In-Network
In-Network Out-of-Network 2
DPPO Advantage
Annual Deductible
None $50 per person
Individual
Annual Maximum None $1,500 per person3
Preventive Services Member Pays Member Pays
X-rays No Copay
0% 10%
Exam No Copay
Deductible Waived Deductible Waived
Cleaning (limit 2 per calendar year) No Copay
Basic Services Member Pays Member Pays
Fillings $30 - $120
Extractions / Oral Surgery $35 - $150 20% 30%
Endodontic $45 - $415 After Deductible After Deductible
Periodontics $60 - $425
Major Services Member Pays Member Pays
Crowns $265 - $365
Bridge Work $265 - $365 50% 60%
Dentures $65 - $425 After Deductible After Deductible
Dental Implants Not Covered
Children - $1,800
Orthodontics 50% 50%
Adults - $2,400
plus initial
consultation, $1,500 $1,500
Orthodontics Lifetime Maximum banding and Children & Adults Children & Adults
retention charges
1. Please refer to the full CIGNA Patient Charge Schedule for detailed information on covered services and member copayments. To obtain a copy,
contact Cigna at (800) 244-6224.
2. Out-of-Network coinsurance may differ for employees in LA, MS, OK, TN, TX, and UT (list subject to change). Please review the specific benefit summary
for details.
3. Preventative services do not count towards the annual maximum.
The information contained in this summary is not intended to take the place of, or change the carrier’s schedule of benefits. In the event the information
contained herein varies from the carrier’s schedule of benefits, the carrier information shall prevail.
© 2022 Alorica Inc. All rights reserved. 11Vision Plan
Hindsight is 20/20. Shouldn’t your nowsight be the same? Alorica offers comprehensive vision benefits to you
and your eligible dependents through UHC Vision. You may begin receiving substantial savings on your eye care
and eyewear needs at any one of UHC’s thousands of provider locations, including optometrists, ophthalmologists
and opticians located throughout the country. Network providers may be accessed online at www.myuhcvision.com.
When you use a UHC provider, you are responsible for a copay at time of service. The provider will file a claim for you
and you will be reimbursed directly from UHC. If you see an out-of-network provider, you pay all expenses at time of
service and submit a claim for reimbursement up to the allowance shown in the Vision Highlights chart below.
Remember to ask your UHC provider about special discounts for additional pairs of glasses, special lens options and
other vision services including LASIK surgery. You will not receive a UHC Vision ID card. Select a UHC provider from
www.myuhcvision.com or by calling Member Services at (800) 839-3242.
Bi-Weekly Rates for the UHC vision plan are (per paycheck):
Employee Only: $2.97 Employee + Spouse: $4.77
Employee + Child(ren): $5.72 Employee + Family: $6.67
UHC VISION
PLAN HIGHLIGHTS
In Network Out-of-Network Frequency
Annual Deductible None None N/A
Well Vision Exam $10 Copay $50 Allowance Every 12 Months
Prescription Glasses
Lenses
Single Vision $25 Copay $50 Allowance Every 12 Months
Lined Bifocal $25 Copay $75 Allowance Every 12 Months
Lined Trifocal $25 Copay $100 Allowance Every 12 Months
Frames $150 Allowance $70 Allowance Every 24 Months
Contact Lens Care
(in lieu of frames/lenses) $150 Allowance $150 Allowance Every 12 Months
Fitting Exam & Contact Lens
The information contained in this summary is not intended to take the place of, or change the carrier’s schedule of benefits. In the event the information
contained herein varies from the carrier’s schedule of benefits, the carrier information shall prevail.
© 2022 Alorica Inc. All rights reserved. 12Employee Assistance Program (EAP) There are times we could all use a little advice, a little guidance, even a little pick-me-up. And that’s why the confidential Employee Assistance Program is here—to help with issues like stress, chemical dependency, relationships, estate planning, adoption, buying a house, identity theft, child care and general wellness. This program, known as Live Better Well-Being, is available through MHN to all benefit-eligible employees, and is provided by Alorica at no cost to you, regardless of whether or not you enroll in any other benefit plans. Live Better Well-Being entitles you to six face-to-face sessions (or phone or web-video consultations) per incident per year. You can access confidential assistance 24/7/365, via phone, e-mail, online chat, or SMS text. Toll-free number: 1-844-442-5046 Or visit: www.mhn.advantageengagement.com and register with company code: alorica © 2022 Alorica Inc. All rights reserved. 13
Disability Benefits Short Term Disability (STD)* Short Term Disability (STD) is offered through Prudential. The STD plan pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury. Rates are based on your age. Your base pay just prior to the date of disability will be used to determine your benefit. Benefits begin on the 15th day for sickness or injury. The benefit will provide up to 60% of your weekly earning to a maximum of $1,500 for up to 24 weeks. NOTE: If you reside in a state with a state disability program, your benefits may be reduced. The following states have a State Disability Program: California, Hawaii, New Jersey, New York, Puerto Rico, Rhode Island. Long Term Disability (LTD)* The Long Term Disability plan benefits offered through Prudential help to provide you with monthly income if you become disabled and are unable to work. After you have been disabled for 180 days due to sickness or injury, this benefit will provide up to 60% of your monthly base pay to a maximum of $10,000. If you are permanently disabled, you could receive this benefit up to your Social Security Normal Retirement Age (SSNRA). Rates are based on your age. If you apply more than 30 days after your initial eligibility date, your coverage will be medically underwritten, and you will be required to qualify based on information you provide on your overall medical health. An Evidence of Insurability form is required, and you may be denied coverage. LTD rates are age-banded. When an employee has a birthday and moves into the next age bracket, the rate will change on the next policy anniversary date. NOTE: Both the STD and LTD include pre-existing condition limitations. Please review the plan summaries posted online in www.AloricaBenefitsUS.com for more details. Earnings for STD and LTD benefits are based on your base annual earnings and do not include other income such as bonuses and commissions. For continuation of benefit limits while on Leave of Absence see the SPD on www.AloricaBenefitsUS.com or call 877-801-7928. *STD and LTD benefits may not be available to all WAH employees. © 2022 Alorica Inc. All rights reserved. 14
Group Term Life Benefits Group Term Life/AD&D* Life and AD&D insurance is available for employees and their eligible dependents through Prudential. Rates are based on your age. For Yourself You may apply for term life insurance in increments of $10,000 up to five (5) times Basic Annual Earnings; the maximum amount of $1,000,000. During your initial eligibility, you may elect up to $350,000 with no medical underwriting. If you apply after your initial eligibility date, your coverage will be medically underwritten and you will be required to qualify based on information you provide on your overall medical health. An Evidence of Insurability form will be required, and you may be denied coverage. For Your Spouse/Registered Domestic Partner (RDP) If you enroll, your spouse/RDP may also apply for term life insurance in increments of $5,000 not to exceed 100% of the employee’s Life amount; the maximum amount is $500,000. During your spouse/ RDP’s initial eligibility, he or she may elect up to $50,000 with no medical underwriting. If your spouse/RDP applies after their initial eligibility date, their coverage will be medically underwritten and they will be required to qualify based on information they provide on their overall medical health. An Evidence of Insurability form will be required, and he/she may be denied coverage. If your eligible dependent is totally disabled, your dependent’s coverage will begin on the first day of the month following the date your dependent is no longer totally disabled. Note: You may not cover your spouse as a dependent if your spouse is enrolled for coverage as an employee. For Your Children If you enroll, child life coverage is also available. You may purchase life insurance for children in $2,000 increments up to $10,000. The premium payment for child coverage is based on one child, regardless of the number of children with coverage. Note: No child may be covered by more than one employee in the plan. No child can be covered as both an employee and a dependent. Life rates are age-banded. When an employee has a birthday and moves into the next age bracket, the rate will change on the next policy anniversary date. *Life and AD&D benefits may not be available to all WAH employees. For continuation of benefit limits while on Leave of Absence see the SPD on www.AloricaBenefitsUS.com or call 877-801-7928. © 2022 Alorica Inc. All rights reserved. 15
Voluntary Benefits
LifeTime Benefit Term Coverage
LifeTime Benefit Term coverage through Chubb offers a guaranteed premium for the duration of your life insurance
policy, AND has a Long Term Care benefit that pays if you need care while you’re living.
• Long Term Care (LTC) – If you need LTC, you can access your death benefit while you are living for home health
care, assisted living, adult day care and nursing home care. You get 4% of your death benefit per month while you
are living for up to 25 months to help pay for LTC. Insurance premiums are waived while this benefit is being paid.
• Guaranteed Premiums – Life insurance premiums will never increase and are guaranteed to age 100. Thereafter no
additional premium is due while the coverage can continue.
• Terminal Illness Benefit – After your coverage has been in force for two years, you can receive 50% of your death
benefit, up to $100,000, if you are diagnosed as terminally ill.
You can only enroll in this plan when you are first eligible.
Critical Illness Coverage
Critical Illness Coverage through Aflac pays a lump-sum benefit if you are diagnosed with a covered disease or condition.
You can use this money however you like; for example: to help pay for expenses not covered by your medical plan, lost
wages, childcare, travel, home health care costs or any of your regular household expenses.
Plan Highlights:
• Guaranteed Issue (no medical questions)
• Children are covered at NO COST when you elect employee coverage
• Benefits are payable based on the date of the covered event occurring or the date of diagnosis
(illness or occurrences prior to the effective date of coverage will not be payable events)
• $75 annual Wellness Benefit is payable for each covered member for completing certain wellness screenings
such as cholesterol test, colonoscopy or stress test (once per year per covered person)
• $200 annual mammography benefit payable once per calendar year per insured
Coverage Amounts
Employee only: Choose from $10,000, $20,000, or $50,000 coverage
Spouse: 100% of the Employee benefit amount
Children: 50% of the Employee benefit amount
COVERED CONDITIONS*
Enrolled employees and spouses receive 100% of the below benefit amount when a diagnosis or event occurs
after your plan is effective. Children receive 50% of the benefit for no cost.
Benign Brain Tumor 100% Cancer Benefits
Bone Marrow Transplant (Stem Cell Transplant) 100% Cancer (Internal or Invasive) 100%
Coma 100% Non-Invasive Cancer 25%
$250 per
Coronary Artery Bypass Surgery 25% Skin Cancer calendar
year
Heart Attack (Myogardial Infarction) 100% Childhood Conditions
Kidney Failure (End Stage Renal Failure) 100% Cystic Fibrosis 100%
Loss of Sight, Speech and Hearing 100% Cerebral Palsy 100%
Major Organ Transplant 100% Cleft Lip or Cleft Palate 100%
Paralysis 100% Down Syndrome 100%
Phenylalanine Hydroxylase Deficiency
Severe Burns 100% 100%
Disease (PKU)
Stroke (Ischemic or Hemorrhagic) 100% Spina Bifida 100%
Sudden Cardiac Arrest 100% Type 1 Diabetes 100%
*This is a summary. Refer to plan document for details including definitions, plan exclusions and limitations.
© 2022 Alorica Inc. All rights reserved. 16Voluntary Benefits Cont’d
Hospital Indemnity Coverage
Hospital Indemnity Coverage through Aflac pays cash benefits directly to you if you have a covered stay in a hospital or
intensive care unit. You can use the benefits from this policy to help pay for your medical expenses such as deductibles
and copays, travel cost, food and lodging, or every-day expenses such as groceries and utilities.
Benefits are payable for pregnancy on the first day of coverage, so even if you or your spouse are already expecting, you
can elect coverage to start on your coverage effective date (delivery must occur on or after the coverage effective date).
Coverage is guaranteed issue (no medical questions).
You must be admitted to the hospital and stay at least 24 hours to receive a benefit.
SUMMARY OF BENEFITS*
Hospital Admission (per confinement) $1,000 (One per covered sickness or accident per calendar year)
Hospital Confinement (per day) $200 (maximum 31 days per covered sickness or accident)
Hospital Intensive Care (per day) $200 (maximum 31 days per covered sickness or accident)
Mammography Benefit $100 (payable once per calendar year per insured)
Accident Coverage
Accidents happen. You can’t always prevent them, but you can take steps to reduce the financial impact. Accident
coverage, available through Aflac, provides benefits for you and your covered family members if you have expenses
related to an accident that occurs outside of work. This coverage is an additional layer of protection that can help you
pay deductibles, copays, and even typical day-to-day expenses such as a mortgage or car payment. Benefits under this
plan are payable to you, to use as you wish.
SUMMARY OF BENEFITS*
Hospital Admission $1,000 Concussion $150
$200 per day
Hospital Confinement Major Diagnostic Testing $100
(up to 365 days)
Hospital Intensive Care $200 per day (up to 30 days) Coma $10,000
Dislocations and Fractures up to $7,500 Inpatient Surgery and Anesthesia $750
Ambulance Ground: $200 / Air: $500 Outpatient Surgery and Anesthesia up to $250
Initial Treatment
Emergency Room / $150 / $150 / $50 Blood / Plasma / Platelets $400
Urgent Care / Doctor's Office
X-Ray $25 Therapy $25
Accident Follow Up Treatment $50 Appliances $100
Burns up to $10,000 Down Syndrome 100%
*This is a summary. Refer to plan document for details including definitions, plan exclusions and limitations.
© 2022 Alorica Inc. All rights reserved. 17Voluntary Benefits Cont’d Pet Assure Discount Plan To cover the needs of a pet, discounted pet care is offered through Pet Benefit Solutions. Every pet is covered and there are no deductibles or maximum number of claims per year. Discounts on services are applied at time of purchase at the veterinary clinic. PETPlus Plan PetPlus is a wholesale pricing club that will save you money on all your pets’ prescriptions and preventatives. It includes a 24/7/365 Ask-A-Vet service. You can enroll any type of cat or dog or an unlimited number of pets. Auto & Property Insurance Alorica understands the importance of protecting your property and other items critical to maintaining your lifestyle. Through Liberty Mutual, Alorica employees receive discounted group rates on insurance for Homeowners, Renters, Automobiles and Additional Property. How to Enroll Visit www.libertymutual.com/alorica or call Liberty Mutual Member Services at 844-814-0939. © 2022 Alorica Inc. All rights reserved. 18
Voluntary Benefits Cont’d
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WellCall360 is not offered by the Employer, but is offered by Hooray Health to everyone regardless of hours worked
or who their employer is. Distribution of materials that identify WellCall360 should not be interpreted as employer
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© 2022 Alorica Inc. All rights reserved. 19Plan Highlights
Alorica 401(k) Retirement Plan
Eligibility and Enrollment • Your company matching contribution will
be fully vested after 5 years of service
• All employees may join the plan
• You need to be 18 and work for at least Distributions
90 days to contribute to the plan Distributions are available in the
• You need to be age 18 and work for at least following situations:
6 months to receive any company match
• Company match is 50% of 5% of pay • Age 59½ withdrawal
contributed (match is discretionary) • Hardship withdrawal
• Normal retirement (age 55)
Your Contributions (Pre-Tax)
• Termination of employment
• You may contribute between 1% and
• Death
100% of your pay, subject to the
• Disability
maximum allowed by law
• The IRS maximum contribution for the Loan Policy
current plan year is $20,500 • You may borrow the lesser of 50%
• You may contribute an additional $6,500 of your vested account balance, or
(a catch- up contribution) if you will be $50,000 (less the highest outstanding
50 or older in 2021 loan balance in the past 12 months)
• Any contributions and earnings grow • The minimum loan amount is $1,000
tax-free until distribution • The interest rate is the prime rate + 1%
• Are deducted automatically from • One outstanding loan at a time
your paycheck
Get Answers and Take Action Now
Additional After-Tax
• Contact The Atlantic Group at Morgan
• You may contribute between 1% and 100% Stanley at 1-877-988-6521 for questions
of your pay as after tax contributions about investments or general questions
• Earnings on your additional after-tax about the plan
contributions grow tax-deferred • To learn more about enrollment or
Roth After-Tax additional general questions, contact a
Customer Service Representative
• You may contribute between 1% and 100%
at MassMutual®, Monday through
of your pay as after tax contributions
Friday from 8:00 a.m. – 8:00 p.m. ET
• Any contributions and earnings may be at 1-877-474-5016.
distributed tax-free
Vesting
• You are always 100% vested in For complete plan details, please refer
your contributions and earnings on to your Summary Plan Description.
© 2022 Aloricayour contributions
Inc. All rights reserved. 20Commuter Benefits
We think the journey should be as insanely great as the destination. So with that in mind, we’re thrilled to be
offering benefits to offset the cost of your daily commute.
Transit & Parking Reimbursement Accounts
Transit and Parking Reimbursement accounts allow you to set aside funds through payroll deduction to pay for
work-related transportation and/or parking expenses.
Types of Allowable Expenses:
• Mass Transit/Vanpool – $270 Maximum Monthly Pre-Tax Contribution: If employees commute to work via
mass transit (i.e. public transportation including bus, train or rail systems) or by vanpool, employees can use
pre-tax dollars to pay for those mass transit costs related to their commute.
• Parking – $270 Maximum Monthly Pre-Tax Contribution: Employees who commute to work by car and pay to park,
or commute via mass transit and pay to park at or near the mass transit site, can use pre-tax dollars to pay for
parking costs related to their commute to work.
Features of the Transit and Parking Reimbursement Accounts include:
• Members can change their elected contribution amount on a monthly basis.
• Unused balances can be rolled over month to month.
• Members save money by reducing their taxable income.
• Once you terminate employment, only claims incurred before your date of termination are eligible for processing.
• You may access your account to check balances and submit claims by visiting the Employee Benefit
Resource Center.
• 24/7 online account access
• Mobile apps and text alerts
• Single sign-on for all reimbursement accounts
• Use the same debit card to access both parking and transit funds
Simple Access to Your Funds
With the benefits debit card, participants can pay providers at the time of service directly from their transit and/or
parking account. If the parking facility does not accept debit card payments, participants may also pay out of pocket
and then submit a reimbursement request. Participants may submit parking claims to Employee Benefit Resource Center
at AloricaBenefitsUS.com. Sign up for free direct deposit to receive your reimbursement as quickly as possible.
Parking and transit receipts may or may not be required, depending on your employer’s plan setup. However, we
recommend that participants keep receipts for their own records regardless of whether receipts are required for the plan.
Metro Commuters
If you live in the Washington, D.C. area, your commuter benefits may work a bit differently. You will be able to load
commuter funds onto your WMATA SmarTrip® card from a commuter page on your consumer web portal.
Interested in Commuter Benefits?
The knowledgeable Employee Benefit Resource Center
Participants Services team is available from 8:00 am
to 8:00 pm CST Monday through Friday. Please contact
them with any questions about your benefit plan.
Toll-Free: 877-801-7928
Go to www.AloricaBenefitsUS.com
© 2022 Alorica Inc. All rights reserved. 21Medical Plans Applies to Agent Hourly 30
We know that keeping you and your family healthy is a top priority—and it’s our priority to provide you with
health care benefits that help keep you healthy and provide quality coverage when you or your dependents are ill.
Our benefit program offers the following medical plan choices to our employees and their dependents:
• HPI Health Select Option & Optum Health Savings Account (HSA)
• HPI Health Choice PPO
• American Worker MEC Value
Please review the Medical Plan Comparison Charts for the Health Select and Health Choice Options on pages 25 and
26 for premium rates, a summary of plan benefits, copayments, deductibles, maximum out-of-pocket expenses and
other components. For HPI plan information on network providers you can go online at www.healthplansinc.com or
by calling Member Services at 888-711-6766. For information on providers in the HPI plan you can visit
www.multiplan.com/search.
HPI Plans - Value Based Pricing
Alorica offers its employees more ways to save on their health care expenses, while offering more freedom of choice
with the HPI plans.
Both plans feature an expansive physician (and other non-hospital services) provider network through PHCS.
The Plan also provides its members with the freedom of choice for inpatient and outpatient hospital and facility
based services. You choose the hospital or facility and our new Third Party Administrator (TPA), HealthPlans, Inc.
(HPI), negotiates a value-based price for the care and services you need—saving you on out of pocket costs and
balance billing.
How Does Value-Based Pricing Work?
Savings are achieved through a partnership between HPI and HST. HST is a company that negotiates value-based prices
based on a percentage of what Medicare pays. You can get support through Pathways Medical Concierge Services—
learn more on page 24.
1. If you need hospital based services, your physician or other health care provider will contact HPI at the number
listed on your ID card to confirm your eligibility and request pre-certification.
2. HPI will review your physician’s request and, if authorized, submit the authorization to HST, who contacts the
hospital to negotiate a value-based price for the care and services. This pre-certification process confirms the
total price for the services with the hospital or facility based on a reference determined by Medicare.
(If the costs are unusually high, you’ll be notified of other high-quality facilities where you may decide to receive
care at a lower cost.)
3. HPI does all the work for you and will notify you in advance of your procedure of your-of-pocket costs—
no surprises.
4. Following your procedure, your provider will submit a claim to HPI priced at the agreed amount. When the claim
is received, HPI will suspend the claim for 72 hours to allow HST time to review the claim and verify all billed
charges are accurate, reasonable, and allowed.
5. Once approved, HPI will process the claim according to the negotiated price and issue payment to your
provider. You will receive an EOB only if you are responsible for paying a deductible and/or coinsurance amount
to the hospital or facility. If you do receive a balance bill, call Pathways Medical Concierge Services at
888-711-6766 and they will direct you on how to get assistance to advocate on your behalf.
6. If you are admitted to the hospital through the emergency room your services will be certified post service.
You will only be responsible for your deductible and coinsurance, up to the annual out-of-pocket maximum if
you notify the plan within 24 hours of your ER visit.
© 2022 Alorica Inc. All rights reserved. 22Medical Plans Cont’d Applies to Agent Hourly 30
Plan Highlights
HPI Health Choice PPO – The PPO plan provides you with access to an expansive network of providers and offers
members a level of benefits should they choose to seek care outside the network, normally at a higher coinsurance and/
or deductible level. The PPO plan does not require members to designate a “primary care physician” to coordinate care,
nor are specialist referrals required for eligible services. Services for preventive care, such as routine physical exams,
health screenings, immunizations and well-child visits are covered at 100% in-network before the deductible is met.
Copayments, coinsurance and deductibles accumulate towards the out-of-pocket maximum.
HPI Health Select & Health Savings Account (HSA) – Health Select provides you with access to an expansive network
of providers and offers members a level of benefits should they choose to seek care outside the network, normally at
a higher coinsurance and/or deductible level. Services for preventive care, such as routine physical exams, health
screenings, immunizations and well-child visits are covered at 100% in-network before the deductible is met.
If you choose to enroll in the Health Select option you can also choose to take advantage of enrolling in the
Health Savings Account (HSA). This account is funded by you along with a 50% company match up to $500 per year
for individual coverage or $1,000 for family coverage. If you are eligible for the company match the annual amount will
normally be applied across all paychecks for the year. However, if you are hired after January 1st, the employer match
will be prorated, with a maximum of $19.23 per pay period for individual or $38.46 per pay period for family up to the
annual limits.
HEALTH SAVINGS ACCOUNT - HOW IT WORKS
You can contribute up to $3,600 per year for individual coverage or $7,200 for family coverage (you can contribute
another $1,000 per year if you are over 55 years of age). Your contributions along with the Company match count
towards meeting the annual limits.
Your contributions are deducted from your paycheck on a pre-tax basis.
No matter what—the money in the account is yours. In other words, there is no “use it or lose it” rule—meaning you
can roll it over from year to year or take it with you if you leave the company.
You have access to whatever contributions are in your account—you can only spend contributions that have already
been deposited in your account. However, you can always reimburse yourself later once you have funds available.
You can use your funds to pay for eligible health care related expenses like…deductibles, coinsurance, prescription
co-pays, etc.
You will get a debit card and checkbook so you can easily access your funds.
You must be enrolled in the Health Select Option plan and cannot be enrolled in another plan including Medicare.
© 2022 Alorica Inc. All rights reserved. 23Medical Plans Cont’d Applies to Agent Hourly 30
Remember These Three Simple Steps to Get the Most Out of Your HPI Medical Plan:
1. Access outpatient physician services and care through the PHCS Provider Network. The PHCS provider network
consists of physicians, specialists and other non-hospital service providers such as laboratories and imaging
centers. When you access care or services from these providers you will be required to satisfy a calendar year
deductible and/or pay copays or coinsurance until you reach the annual out-of-pocket maximum.
2. If you need an inpatient or outpatient hospital based procedure, you have the freedom of choosing any provider.
There is no prescribed network, but your services must be pre-certified to ensure you receive the lowest out-of-
pocket costs with no balance billing. Your share of the costs will accumulate towards the in-network annual
out-of-pocket maximum.
3. Stay In-Network! If you elect to receive care or services from an out-of-network provider, you will be subject to
higher out of pocket costs. In addition, if you receive inpatient or outpatient hospital based services that have not
been pre-certified, you may be balance-billed for any amounts above the amount negotiated by the plan, and these
balance-billed amounts will not accumulate towards your annual out-of-pocket maximum—exposing you to even
more out-of-pocket costs.
NOTE: If your spouse/domestic partner is employed and is offered coverage through his/her employer but joins one of
the Alorica HPI plans, a spousal surcharge of $46.15 will be added to your per pay period contribution amount.
Pathways Medical Concierge Services
Pathways connects you to an advisor who can support you throughout your healthcare journey. The Concierge team
understands your benefits and can assist you with many of the confusing aspects of accessing appropriate and quality
healthcare services and alternative options available.
What are the types of things my concierge can help me with?
• Addresses benefit questions and coverage such as co-pays, deductibles, provider balance billing, etc.
• Locates providers and facilities based on costs, quality outcomes and geographic proximity
• Review of cost effective treatment options and available alternatives
• Preparation and education for your hospitalization or procedure
• Assistance with claim and billing issue resolution, grievances and appeals
What does it cost? The Pathways Concierge program is part of your benefit plan. There is no cost to you to speak with
your concierge or care team.
Is my information confidential? ABSOLUTELY! We take every precaution to make sure your information is secure. Your
data is encrypted ensuring your health and personal information is kept private. Your records are never shared with your
employer or other entity without your written approval unless required by law.
Who is MedWatch and why would they contact me? MedWatch, a Health Plans, Inc. partner company, has been
entrusted to provide medical concierge services to you. MedWatch may contact you regarding this service in an effort
to assist you in your healthcare needs.
© 2022 Alorica Inc. All rights reserved. 24You can also read
